Renters insurance in Alabama: Cost, best companies and how to save

What is the average cost of renters insurance in Alabama?

The average renters insurance cost in Alabama is $310 per year. Rates vary based on factors such as location, coverage amount, deductible, and claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$310
Average monthly premium	$26

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Best renters insurance company in Alabama: Auto-Owners

Auto-Owners ranks as the best renters insurance company in Alabama, earning a top score among the carriers we surveyed. Its average rate is $304 per year.

Country Financial and State Farm are also among the top insurance companies for renters insurance in Alabama.

Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.

To help you find the best renters insurance in Alabama, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.

Here are the best renters insurance companies in Alabama.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Auto-Owners	$304	A++	0.33	5
Country Financial	$399	A+	0.26	4.71
State Farm	$259	A++	0.95	3.99
Nationwide	$296	A+	0.87	3.92
Allstate	$391	A+	0.9	3.5
Farmers	$579	A	0.54	3.39

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Cheapest renters insurance in Alabama

Our analysis shows that Alfa Corporation is the cheapest renters insurance company in Alabama, with an average annual premium of $231.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in Alabama along with their average annual premiums.

Company name	Average annual premium
Alfa Corporation	$231
State Farm	$259
Nationwide	$296
Auto-Owners	$304
Allstate	$391
Country Financial	$399
Farmers	$579
USAA	$175

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Renters insurance calculator

Average renters insurance rates in Alabama

Most & least expensive ZIP codes for renters insurance in Alabama

Most expensive
Least expensive

ZIP code	City	Highest rate
36541	Grand Bay	$450
36509	Bayou La Batre	$449
36523	Coden	$449
36528	Dauphin Island	$448

ZIP code	City	Lowest rate
36849	Auburn University	$272
36830	Auburn	$272
36801	Opelika	$273
36832	Auburn	$274

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Alabama renters insurance: The least and most expensive ZIP codes

Your location in Alabama directly impacts the cost of renters insurance. The most expensive ZIP code in Alabama is 36541, with an average annual premium of $450. This amount is $140 more than higher than the state average.

On the other hand, 36830 is the least expensive ZIP code for renters insurance with an average annual premium of $272 a year.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
36541	$450
36523	$449
36528	$448
36511	$447
36615	$446
36582	$445
36544	$444
36512	$443
36532	$440
36612	$439

ZIP code	Average annual rate
36849	$272
36830	$272
36801	$273
36832	$274
36852	$275
35007	$276
35242	$277
36865	$278
35976	$279
35816	$280

Renters insurance cost in Alabama by city

Renters insurance rates vary widely across cities in Alabama, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.

City	Annual insurance premium
Auburn	$278
Birmingham	$320
Decatur	$291
Dothan	$315
Hoover	$303
Huntsville	$286
Madison	$285
Mobile	$624
Montgomery	$314
Tuscaloosa	$285

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How to save on renters insurance in Alabama

You can lower the cost of renters insurance in Alabama in several simple ways without reducing the coverage you need:

Bundle your policies. Many insurers give a discount when you purchase renters and auto insurance together.
Increase your deductible. Selecting a higher deductible lowers your monthly or yearly premium, but you should make sure you can afford it.
Ask about discounts. Many insurance companies offer discounts for having smoke alarms, security systems, or a claims-free history.
Compare quotes. Since prices vary widely between companies, getting quotes from multiple insurers helps you find the best deal.
Pay annually. Some insurers provide a small discount if you make yearly payment instead of paying monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Alabama renters insurance

Do I need renters insurance in Alabama?

Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Alabama?

You don't need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.